Bank Statement Loans for Real Estate Investors
Flexible financing that looks at your cash flow—not just your tax returns. Parish Lending offers non-QM programs built for self-employed investors and business owners.
Check Bank Statement Loan Eligibility
Answer a few quick questions and we’ll confirm eligibility and estimated terms for your scenario.
Who Benefits from a Bank Statement Loan?
- Self-employed investors with complex or inconsistent tax returns
- Portfolio landlords growing rental holdings
- Small-business owners with lower taxable income than cash flow
- 1099 contractors and consultant-investors without W-2s
How It Works
- Documented Cash Flow: Provide 12–24 months of bank statements (personal or business)
- Income Calculation: Underwriter averages deposits and applies expense factor (50–70%)
- Simplified Eligibility: No tax returns required; bank-statement income must cover PITIA payment
- Property Types: 1–4 unit rentals, condos, townhomes, and some short-term rentals
Key Features & Benefits
- Qualify on true income representation vs. taxable income
- Faster closings—skip lengthy tax-return reviews
- Higher leverage with competitive LTVs
- Flexibility if you’ve taken deductions, depreciation, or real estate losses
How Parish Lending Makes It Simple
- Personalized Consultation: We review your portfolio and match with the right program
- Streamlined Documentation: We package your statements to meet underwriting standards
- Competitive Pricing: Multiple investor options to optimize cash flow
- Closing & Beyond: Support from application through funding and your next deal
Ready to leverage your cash flow?
Bank Statement Loans can unlock more purchasing power—quickly and transparently.